Exploring Akara Capital's Bonds: High Yields, Backed by Fintech Innovation


In a marketplace where fixed income often comes with trade-offs between yield and safety, Akara Capital Advisors Private Limited introduces a bond proposition that blends innovation, accessibility, and strong returns. Offering listed, secured bonds with yields up to 14.60%, Akara represents a new breed of NBFCs built on fintech infrastructure and backed by globally recognized investors.

Let’s explore what makes Akara’s short-term bonds a standout option in the alternative investment landscape.

A Tech-First Lending Model

Akara Capital Advisors is a non-deposit taking NBFC registered with the Reserve Bank of India. It specializes in unsecured personal loans to salaried individuals, delivered through a completely digital process in collaboration with its lending platform partner StashFin.

What sets Akara apart is its lean, data-driven operating model that leverages underwriting algorithms, alternate data, and mobile-first delivery — resulting in a faster, more efficient loan disbursal process.

Group Structure and Backing

Akara is a wholly owned subsidiary of MTPL, a Singapore-based fintech group with multiple entities operating in the lending and analytics space. The group includes EQX Analytics, the company behind the StashFin platform.

Akara’s investors include globally reputed names like:

  • Tencent

  • Fasanara Capital

  • Altara Ventures

  • Kravis Partners

  • Uncorrelated Ventures

This global equity participation speaks volumes about the company’s credibility and growth prospects.

FY25 Financial Performance

Akara’s business growth is backed by improving metrics and solid capitalization:

  • AUM: ₹1,731.26 crore

  • Revenue: ₹704.50 crore

  • Net Worth: ₹696.99 crore

  • Profit After Tax: ₹88.77 crore

  • Return on Equity: 14.45%

  • Net NPA: 3.12%

  • Capital Adequacy (CRAR): 31.33%

  • Net Interest Margin: 28.59%

High NIM and strong ROE indicate a profitable and well-leveraged business model that effectively balances credit risk and capital allocation.

The Bond Offering: High-Yield, Short-Term

Akara currently offers two listed senior secured bonds with short tenures and compelling yields:

ISIN Tenure Yield (YTM) Rating Min Investment
INE08XP07290 7 mo 14.50% ICRA BBB ₹58,348
INE08XP07308 14 mo 14.60% ICRA BBB ₹191,080

These bonds are listed on exchanges and secured against company assets, giving investors the comfort of tradability and asset backing.

Who Should Consider These Bonds?

These bonds are best suited for investors who:

  • Are seeking returns significantly higher than FDs and traditional debt

  • Can take on moderate credit risk for short durations

  • Want to diversify into fintech-backed corporate debt

  • Value transparency, digital operations, and efficient lending models

Leadership with Global Perspective

The founding team of Akara includes:

  • Tushar Aggarwal (Founder & MD): Ex-Goldman Sachs and Everstone, with deep roots in PE and capital markets

  • Shruti Aggarwal (Co-Founder): CA and Columbia University alum with global banking and entrepreneurial experience

Their combined leadership ensures institutional-grade governance with a startup-style growth mindset.

Conclusion

Akara Capital Advisors is part of the new wave of fintech-enabled NBFCs offering innovative financial products to both borrowers and investors. With a clear digital strategy, sound financials, and backing from leading global VCs, Akara’s bond issuance is more than just high-yield — it’s a sign of where the industry is heading.

For investors looking to deploy capital in high-return, short-duration instruments with credible underwriting and digital agility, Akara Capital’s bonds are a smart opportunity worth considering.

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